Behind electrified walling, guarded access gates and all the other paraphernalia of modern security systems, residents in security complexes
are supposedly safer and better protected from crime than stand alone homes.

However criminals are becoming increasingly innovative and crime stats reflect a distinct uptick in incidents of theft and burglary and worse in
security estates.

Insurance brokers, Glenrand M.I.B. have some very definite views on the issue. "The problem is that security villages can create complacency about
crime" says Mary Mlambo, National Marketing Manager, Personal Product Solutions, at the company

"In fact, recent media reports indicate crime in residential estates and complexes is on the rise, particularly in Gauteng, totally contradicting the
whole point of security complexes.

"Syndicates moving into complexes as tenants and poor access controls are said to be behind much of the problem.

"Insurers accordingly encourage a proactive approach in this respect including the use of electric fencing, patrolling guards, 24 hour armed
response and strict control of vehicles and people entering the estate and they are prepared to negotiate preferential rates if precautions such as
these are in place.

"However, having these precautions in no way negates the need for individual homeowners in security villages to take their own security precautions and
put into place their own insurance covers and for that matter their own physical security.

"In short, in a climate in which seemingly no assets can be counted as crime proof, security estate dwellers have to take the same precautions as any
other householder for risks ranging from motor to household contents.

"And that includes All Risks exposure - those items which you take out of your home in your travels, typically the likes of cameras, ipods, laptops
etc. expensive watches, jewellery, laptops, personal digital assistants and cellphones.

"The risk posed by these items can be significant and surprising for that matter. For example, one underwriter recently settled a R50 000 claim for a

"Indeed the increased value of designer goods, such as handbags, should encourage insurance policyholders to review the All Risks section of their
policy and add items where necessary.

"Household Contents" cover on the other hand of course refers to the actual contents of your security village home.

Thus for example, should you lose a camera in a burglary in your security village home, you would be covered under your householders' insurance. But
remember that very same item, if removed from your home for whatever reason, ceases to be covered unless specified under All Risks.

"Insurers also refer to a factor known as the 'wealth effect' which is driving up the replacement values of both household contents and possessions
carried on the person while under-insurance is another important consideration in your insurance planning as a security village dweller."

Mary Mlambo

National Marketing Manager

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